Question 1

Can closing costs be negotiated?

Accepted Answer

Yes. Negotiate origination fees, shop for title insurance, and ask the seller for concessions.

Question 2

Can I roll closing costs into the mortgage?

Accepted Answer

Some programs allow it (USDA, VA). With conventional loans, negotiate lender credits at a slightly higher rate.

Question 3

Who pays closing costs?

Accepted Answer

Both. Buyers pay loan-related fees. Sellers pay commissions and transfer taxes. Negotiation can shift some costs.

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Understanding Closing Costs